The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,937
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,588
−HK$662/mo
Today · 4.125%
HK$22,250
baseline
▲ 0.50% · 4.625%
HK$23,604
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,500/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,292
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,917
−HK$634/mo
Today · 4.125%
HK$24,551
baseline
▲ 0.50% · 4.625%
HK$25,845
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,102/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,124
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,906
−HK$794/mo
Today · 4.125%
HK$26,700
baseline
▲ 0.50% · 4.625%
HK$28,325
+HK$1,625/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,400/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,951
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,700
−HK$761/mo
Today · 4.125%
HK$29,461
baseline
▲ 0.50% · 4.625%
HK$31,014
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,922/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,224
−HK$926/mo
Today · 4.125%
HK$31,150
baseline
▲ 0.50% · 4.625%
HK$33,045
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,300/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,609
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,484
−HK$887/mo
Today · 4.125%
HK$34,371
baseline
▲ 0.50% · 4.625%
HK$36,183
+HK$1,812/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,742/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,687
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,859
−HK$1,191/mo
Today · 4.125%
HK$40,050
baseline
▲ 0.50% · 4.625%
HK$42,487
+HK$2,437/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,100/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,926
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,050
−HK$1,141/mo
Today · 4.125%
HK$44,191
baseline
▲ 0.50% · 4.625%
HK$46,520
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,382/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,187 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).